10 Best Pet Insurance Companies in 2022; Best for Puppies and Kittens: Pumpkin; Find Pet Insurance in Your State

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Pet insurance helps pay for your pet’s medical care, with many policies covering up to 90 percent of your vet bills. However, that proportion varies by insurer and by your preferences. In addition, some procedures and care are excluded from coverage. With some policies, you also can hit annual or lifetime caps on payments, which can mean some bills aren’t covered at all.

It can be challenging, too, to find comprehensive coverage for your dog or cat at an affordable monthly premium. To help you shorten the process, here’s our list of best pet insurance companies, tailored to particular needs and priorities.

Our Top Picks for Best Pet Insurance of January 2022

Best for Fast  TrustedPals, Petplan, Metlife Pet Insurance, PetFirst, 24PetWatch, Hartville, Pet Assure, USAA Pet Insurance and GEICO Pet Insurance

Find Pet Insurance in Your State

Pet insurance offers coverage for accidents, illnesses, injuries, and routine exams, allowing you to properly care for your loyal companion. Click on your state to see how you can protect your four-legged friend!

Healthy Paws offers just one accident and illness policy for cats and dogs. It has no per-incident, annual or lifetime benefit caps, and you can choose a deductible between $100 and $500.

Healthy Paws provides quick claim processing through its mobile app, and most claims are processed in just two days. It also offers a direct payment option instead of reimbursement if you can’t afford the upfront veterinary bill.

Healthy Paws is best for pets that are enrolled while they’re young, as coverage options and reimbursement rates are more limited for senior pets.

What we like: Most insurers exclude alternative therapies from their policies, but Healthy Paws policies cover treatments like acupuncture chiropractic care, hydrotherapy, physical therapy, laser therapy and massage therapy as long as it’s prescribed and performed by a licensed veterinarian.

Best for Hereditary and Congenital Conditions: ASPCA

The American Society for the Prevention of Cruelty to Animals (ASPCA) offers accident-only, accident and illness and preventive care for cats and dogs. Riding enthusiasts can also insure their horses, but only in certain states.

ASPCA’s premium rates are some of the most affordable and the company is also more flexible on certain policy terms than its industry counterparts.

While other policies set an age limit on coverage for hereditary or congenital conditions, ASPCA guarantees coverage no matter your pet’s age at enrollment, as long as the conditions aren’t pre-diagnosed. Additionally, curable pre-existing conditions are covered, provided your pet is symptom-free for at last 180 days. Other companies may make you wait up to a year.

This insurer also falls short with its lengthy claims processing time. Pet care is expensive, and waiting 30 days for insurance reimbursement isn’t a good selling point, considering some competitors process claims in a matter of days.

What we like: We picked ASPCA as the best pet insurance for congenital or hereditary conditions because it doesn’t withhold coverage for these illnesses if you enroll your pet past a certain age. Your pet will be fully insured relatively fast, too, thanks to the short 14-day waiting period.

Deductible starting at $100
Unlimited annual coverage available
Covers alternative therapies such as acupuncture and hydrotherapy
No upper age limit

Higher-than-average premiums for young pets
Limited knee and ligament coverage (bilateral condition policies)
No weekend customer service availability
readily allows you to maximize coverage of your pet. It’s among a relatively few companies that provide policies with a full (100%) coverage option, meaning you are not responsible for any co-payment of bills. In addition, the company offers a very low ($100) deductible option, which further reduces your out-of-pocket payments for care.

That said, choosing one or both of a low co-payment and a low deductible will lead to higher premiums for the policy. And Spot’s prices are already higher than the norm for young pets, although the company has no upper age limit for insuring new animals — which may make it a good choice if your furry companions are elderly.

We picked Spot for how well it caters to pet parents who want coverage that maximizes peace of mind for their pet’s health — even if opting for low or no co-payments and a small deductible do tend to drive up the cost of any policy, regardless of the company. Spot is also a fine choice for older pets, since there is no age limit to its coverage.

No upper age limit
Coverage for prescription food
Short (14-day) waiting period for all conditions, including knee and hip dysplasia

30-day money-back guarantee

No customizable reimbursement levels
Annual coverage limits apply ($10,000 for dogs, $7,000 for cats)
Limited deductible options ($100 to $500, so will likely be more expe
nsive)

offers affordable plans with an option to add preventative care packs for young cats and dogs that aren’t included in standard coverage. For example, the company’s puppy preventive care packs include one annual wellness exam fee, four puppy vaccines and one yearly fecal test.

Pumpkin will also refund the cost of up to four vaccines your puppy may have received prior to being insured under the preventive pack, as well as covering lab tests for parasites. However, these add-ons — known as Pumpkin Preventive Essentials — are not available in all states.

We picked Pumpkin as the best pet insurance for puppies and kittens because it offers both extensive insurance and non-insurance preventive care options tailored to junior animals, and at an affordable price point.

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